43 items tagged ”US Rooftop Geocoding”

AI in P&C underwriting collects, analyzes, and evaluates large datasets to identify patterns that improve underwriting speed, accuracy, and risk assessment.

Learn what P&C insurance digital transformation means, where it delivers ROI (claims, underwriting, servicing), and the biggest challenges to plan for.

Learn more about how location truths impact insurance risk assessments (and your bottom line and financial stability!) Hint: it all comes back to accurate data.

Predictive analytics use artificial intelligence, machine learning, and statistical modeling to analyze large volumes of internal and external data in insurance.

For P&C underwriters, the future of underwriting isn’t just moving from paper to predictive models—it’s moving from processing information to interpreting it.

<p>For two days, Smarty users gathered together with other address data experts for Pinpoint, Smarty’s first virtual user conference, where developers, industry experts, and product specialists talked all things addresses and pulled back the curtain on address data solutions. </p><p>Attendees asked questions about cloud-based software, the impact of accurate address data on fintech and insurance companies, and the ROI of good address data across all industries. </p><p>Plus, attendees got to take a peek behind the scenes and see what makes Smarty’s address data solutions tick.

<p>Once you know what capabilities you need, the next challenge is choosing a provider that actually delivers—pun intended. <br><br>This blog is part of our <a href="https://www. smarty. com/blog/tags/what-to-look-for-in-an-address-data-solution">five-part series, <i>What to look for in an address data solution</i></a><i>. </i> </p><p>Previously, we discussed the need to find an address data solution that understands the importance of speed, scalability, and reliability, enabling you to maintain automated, efficient, and accurate workflows in any industry that deals with addresses.

<p>Not all address tools are created equal. The right platform should do more than validate—it should verify, enrich, and future-proof your data. </p><p>This blog is part of our <a href="https://www. smarty. com/blog/tags/what-to-look-for-in-an-address-data-solution">five-part series, <i>What to look for in an address data solution. </i></a> </p><p>Previously, we discussed the hidden costs of poor address data, including misdeliveries, lost revenue, billing errors, and operational inefficiencies.

<p><strong>November 2025 | 100% online | 100% awesome</strong></p><p>Join us this November for the Smarty Virtual User Conference, a two-day event packed with insights, tools, laughs, and $1000 worth of prizes. </p><p>This event is for you, whether you’re optimizing delivery accuracy, improving compliance, or just trying to figure out if your neighbor <i>really</i> has a breakfast nook. </p><h3><strong>What to expect:</strong></h3><ul><li><strong>2 days, 12 hours of content, zero fluff</strong></li><li><strong>Live sessions</strong> from address data pros</li><li><strong>Hands-on demos</strong> of Smarty’s latest tools and plugins</li><li><strong>Giveaways galore, </strong>like gift cards, swag, and even a chance at a massive LEGO set</li><li><strong>Hidden Easter eggs</strong> throughout the event (no, seriously—find them and win)</li><li><strong>An after-party with games</strong> (shoutout to Brady Amundson)</li></ul><h3><strong>Tailored tracks for every role</strong></h3><p><img src="https://d3jlqkabnnke2x.

<p>Phony passports. Runaway trains. Rogue elephants. Hot air balloons. Phileas Fogg dodged them all in the 1956 movie adaptation of Jules Verne’s novel, Around the World in 80 Days. </p><p>His race was against time. Today, your ecommerce business is running a race of its own; delivering quickly, accurately, and affordably across a world full of logistical landmines. </p><p>Fortunately, you don’t need a valet named Passepartout to guide you (although wouldn’t that be fun?!) </p><p>You just need Smarty.

<p>Most address validation tools give you a simple thumbs up or down on an address because it either matches or it doesn’t, right? </p><p>But what if you need more than just “valid” or “invalid” as a response? What if you could know <i>exactly</i> what part of the address is off, like a misspelled street name or an unconfirmed vanity city (like Hollywood), and why it isn’t considered valid?</p><p>What if part of an address needed to change in order to make it a mailable, valid address? </p><p>We think you’d want to know that, too.

<p><i>Dateline: Tuesday, 8:04 a. m. </i></p><p>In what experts are calling “the biggest location intelligence crisis since the discovery of space,” rooftop-accurate geocodes have officially gone on strike. </p><p>The high-precision coordinates—normally pinpointing locations down to the exact rooftop for deliveries, telecom installs, insurance claims, and analytics—appeared on Smarty TV and issued a short but cutting statement this morning:</p><blockquote><p><i>“We’re tired of being taken for granted.

<p>Your product might be HIPAA and ACA-compliant in theory, but a mistyped ZIP Code or invalid apartment number can still trigger privacy violations, eligibility errors, and failed mailings. Misdirected mail is explicitly named in HIPAA breach cases. </p><p>For example, the Health and Human Services (HHS) Office for Civil Rights (OCR) has publicly cited misrouted or misaddressed mail as a cause of HIPAA breaches in their <a href="https://ocrportal. hhs. gov/ocr/breach/breachreport. jsf" target="blank" rel="noopener"><u>breach portal</u></a>.

<p>Insurance is drowning in data. <br><br>Some of it’s a goldmine, but much of it’s misleading or incomplete. The sheer volume of information available today—third-party databases, public records, customer input—means that insurers are often using data they can’t fully trust. </p><p>That’s a big deal. Faulty data leads to underpriced policies. It also leads to overpriced premiums, which turn away potential customers and damage NPS, as well as allows your teams to build faulty risk models. This ultimately leads to destabilized portfolios and paying out more than your fair share in claims, potentially leading to a bankrupt program rather than a profitable one.

<p>In the wake of the recent LA fires that scorched over 10,000 homes and displaced thousands of families, the need for precision in disaster preparation, wildfire risk assessment, and emergency response is clear. <br><br>Wildfire risk assessment processes are full of pain points for insurance carriers and reinsurance carriers alike: specifically, considering risk assessment, efficient response times and routes, and even recovery efforts. This is where address location intelligence can support insurance carriers and governmental entity responses.

<p>We love ninjas!</p><p>Yes, we do!</p><p>We love ninjas!</p><p>How about you? </p><p> </p><p><i>crickets </i></p><p> </p><p>We know they’re out there. <br><br>BUT TODAY IS THEIR DAY, so even though these sneaky, highly-trained martial artists aren’t going to join our cheering throngs, we’ll celebrate them on National Day of the Ninja. <br><br>Why?</p><p>Because we’re ninja masters (sort of). </p><p>We’re really good at solving every address issue just like we believe our fellow shadow warriors would—silently running in the background, solving challenges with unparalleled speed and accuracy.

<p>HO HO HO! Merry Christmas, my dear friends,</p><p>I’m taking a minute from my busy toy-making and list-checking (twice) schedule to write you a letter. I know, I know, usually, it’s you and your lovely children writing ME letters, but I’ve loved seeing your efforts to get on the nice list this year and want to give you a peek into how I make the magic happen. </p><p>Because you made my heart feel warm even at the North Pole, I’m sharing the answer to my most asked question: "How do I deliver billions of gifts to people all over the world?” </p><p>The magic behind my sleigh rides? Hint: it's not the reindeer… I use Smarty.

<p>Property risk management is a systematic process that identifies potential hazards associated with a property to evaluate and mitigate the risk of potential ownership and/or investment issues. For residential and commercial real estate investors, asset managers, and operators, property risk management directly impacts projected NOI, insurance costs, insurance coverage, financing terms, and exit valuation. A single overlooked structural or environmental factor can erase years of anticipated returns.

<p>Everybody in ecommerce, marketing, or sales knows that it’s not just about the 1st sale–you want customers to come back—a lot. On the surface level, it seems fairly simple to understand why. #MoreMoney 💸</p><p>Return customers liked their first interaction with your company and product so much, they’ve returned to purchase from you a second time. There’s no set schedule to when they’ll return again, and they may only make one more purchase. </p><p>Repeat customers are loyal customers who keep coming back again and again.

<p>84% of customers say the experience a company provides is as important as its products or services, according to a <a href="https://www. salesforce. com/news/stories/state-of-the-connected-customer-report-outlines-changing-standards-for-customer-engagement/">Salesforce report</a>. Over the past decade, the insurance market has become saturated with endless products and options. Buyers have adjusted and evolved in response to the buffet of insurance options, becoming more sophisticated and specific in what they need and want.

<p>Remember that phrase we all used in middle school, “Well if you love it so much, why don’t you marry it?” Well, we couldn’t agree more. </p><p>Address data and insurance claims have been partners in an ever-evolving landscape of technology and property for years. Insurance claims rely on geocoding to find the exact location, and property data is used to assess the property's condition and attached amenities before losses. </p><p>Efficiently deploying adjusters and accurately assessing damage is impossible without accurate address data.

<p>We had a sit-down with Smarty crew members, Caroline Roweton, Associate Product Manager, and Landon Fackrell, Software Engineer, and delved into Smarty's innovative new <a href="/articles/batch-address-validation-geocoding-excel">Excel plugin</a>. </p><p>This powerful tool makes address validation easier than ever, allowing users to clean and verify their address data directly within Excel. With a focus on simplicity and efficiency, Caroline and Landon talked about the features and benefits of the plugin, demonstrating how it can save time and enhance data accuracy without any need for coding.

<p>Insurance customers expect quick and customized service and immediate responses in their interactions. Smartphones, online transactions, and digital communications rule the world. </p><p>Yet, the policy issuance for insurance can be extremely slow and painful. This is due primarily to the fact that accuracy matters so much regarding customer data, and this data takes a while to curate and process. So, how do insurers streamline claims processing while maintaining the highest accuracy levels?</p><h3>Speed and ease go together</h3><p>The quick answer is "automation and digitization.

<p>For underwriting efficiencies and commercial insurance success, the accuracy and reliability of data are crucial. Accurate data improves the risk assessment process and optimizes the overall workflow, saving both time and money. Leveraging Smarty's high-quality address data solutions, precise rooftop geocoding, address verification with PUIDs, and address autocomplete provides a significant advantage in improving insurance underwriting processes. </p><h2>The significance of a single rooftop geocoding vendor</h2><p>Traditional geocoding cascades pose challenges.

<p><strong>Webinar recap:</strong> We recently hosted a webinar that featured a detailed demonstration of our <a href="/articles/batch-address-validation-geocoding-excel">Excel plugin for address validation</a>, showcasing its powerful capabilities. If you use Excel and need to validate addresses, this is for you. </p><h4>Introducing the Excel plugin</h4><p>Our Excel plugin is designed for simplicity and ease of use, allowing users to validate addresses without any coding skills. By highlighting a range of addresses, the plugin batches them, sends them to Smarty, and returns formatted data directly in the spreadsheet.

<p>The U. S. homeowner’s insurance segment is facing unprecedented challenges, marked by the worst underwriting results since at least 2000. According to <a href="https://news. ambest. com/pr/PressContent. aspx?refnum=34940&amp;altsrc=2">a recent report by AM Best</a>, the segment experienced a staggering $15. 2 billion underwriting loss in 2023, more than double the losses seen in the previous year. They credit this dramatic increase in insured losses primarily to population migration into areas where weather-related events occur more frequently, coupled with rising urbanization and development in regions susceptible to natural perils.

<p>Up until now, SmartyKey®, a persistent unique identifier for all 210+ million addresses in Smarty’s database, has only been available to customers who purchased <a href="/products/us-master-address-list">US Master Address List</a> or <a href="/products#:~:text=bad%20address%20data. -,Geocoding,-Effortlessly%20validate%20and">geocoding products</a>. We’re happy to announce that, as of today, it's also available at no extra cost with <a href="/products/us-address-verification">US Address Verification</a>.

<p>PROVO, Utah, April 10, 2024 – <a href="/">Smarty</a>, the address data intelligence leader, announces today the launch of US Census Block and Tract Data, a set of updates to Smarty's US Address Enrichment solutions. US Census Block and Tract Data is a cloud-native solution that will allow organizations to append the geographic data found in U. S. Census Block and Tract information into accurately geocoded addresses. </p><p>Smarty’s US Census Block and Tract Data offers a simple and rapid solution for accessing essential geographic details such as Census Blocks, Tracts, location names, statuses, and additional Census ID information—mirroring the capabilities of the <a href="/articles/ffiec-geocoding">FFIEC Geocode</a> tool.

<p>In a recent webinar, Berk Charlton, Chief Product Officer at Smarty™, provided an in-depth look at our industry-leading address intelligence suite designed to provide highly accurate geocoding and address validation. </p><p>Here are the main points Berk covered during the session:</p><blockquote><p><strong>Comprehensive product suite</strong>: Smarty offers a wide range of products, including <a href="/products/us-address-verification">address validation</a>, <a href="/products/us-rooftop-geocoding">rooftop geocoding</a>, <a href="/products/international-address-autocomplete">global address auto-complete</a>, and <a href="/products/us-property-data">address data enrichment</a>.

<p>In the fast-paced and competitive world of telecommunications, where high customer expectations and intense rivalry prevail, the strategic use of address data intelligence, including geocoding and address verification, is increasingly essential. For professionals in the telecom sector, understanding and utilizing these tools can significantly streamline operations, enhance customer satisfaction, and drive business growth. </p><p>This article delves into how <a href="/"><u>Smarty's</u></a> address data solutions address common pain points in the telecom industry.

<h3>Software in the healthcare industry</h3><p>In our <a href="https://www. smarty. com/blog/address-affairs-causing-healthcare-hiccups">previous post</a>, we diagnosed the problems associated with having bad address data in the world of healthcare. If you would like to go over those again, or if you stumbled upon Post 2 before Post 1, you can read about those problems here. </p><p>In this second installment, you'll learn about the solutions to those problems from a software development standpoint.

<p>Geocoding is converting a physical address into geographic coordinates with latitude and longitude. Accurate geocodes are critical for many applications—routing deliveries, analyzing insurance risk, mapping utilities, and more. </p><p>In a recent webinar, Smarty's customer service specialist, Ben Rivera, outlined best practices for maximizing geocode accuracy using our APIs and tools. Here are some of the key takeaways:</p><h4>The problem of inaccurate geocodes </h4><p>Many common geocoding services provide ZIP Code or centroid-level accuracy at best.

<p>In the wake of disasters like catastrophic weather events, wildfires, and other incidents, the significance of property and casualty (P&amp;C) insurance claims agents and adjusters becomes essential. Their role is pivotal, yet often challenging, as they navigate the aftermath to assess damages, estimate repair or replacement costs, and process insurance claims. </p><p>Claims agents and adjusters often face difficulties deploying to areas affected by disasters and obtaining accurate information amid chaotic circumstances.

<p>Smarty™ has been creating top-notch address data tools since it's inception in 2011. A key part of providing the best location data and address data tools in the world is keeping those products at the cutting edge of the industry. We do this by adding new features, products, and solutions that our customers can use to improve their lives as often as we can. </p><p>In a recent webinar, our Chief Product Officer Berk Charlton outlined some of the newest features we've added to our US Rooftop Geocoding tool.

<p>Without looking it up, do you know how much insurance losses natural catastrophes caused in 2022? What's your guess?</p><p>According to a <a href="https://www. swissre. com/press-release/Hurricane-Ian-drives-natural-catastrophe-year-to-date-insured-losses-to-USD-115-billion-Swiss-Re-Institute-estimates/2ab3a681-6817-4862-8411-94f4b8385cee">report published by Swiss Re</a>, the world's leading provider of reinsurance, "Natural catastrophes caused an estimated USD 115 billion of insured losses in 2022—coming in well above the 10-year average of USD 81 billion.

<p>You bet he does. </p><p>He kinda has to, there’s no other way he can get rooftop-accurate geocoding fast enough. The man travels the entire world in 14 hours and needs to know exactly where to land his reindeer. </p><p>Look, for a lot of people’s needs you could say that "parcel centroid" is good enough when it comes to address geocoding. Many houses are in fact in the center of the parcel. However, there are also many homes that are not in the center of the parcel. </p><p><strong>Parcel centroid (other guys):</strong></p><p><img src="https://d3jlqkabnnke2x.

<p>QGIS is an open-source GIS (geographical information system) platform that helps millions of users throughout the world map, visualize,and share geographic information. Use cases range anywhere from mapping water usage to selecting new retail store locations. It's a highly capable tool for GIS professionals, and it's free. </p><p>Because QGIS is open source, individuals and organizations are free to build and offer plugins to help users accomplish specialized tasks. This extensive library of plugins offers users a wide range of tools that allow them to build maps for very specific needs.

<p><strong>On-premise vs. the cloud is a constant debate when it comes to software purchases. Geocoding software is no different. How your geocoding solution is deployed can greatly impact both the performance and the cost. </strong></p><p>In our ebook, <a href="https://www. smarty. com/documents/ebooks/8-questions-to-ask-when-selecting-a-geocoding-api. pdf">8 Questions to Ask When Selecting a Geocoding API</a>, we talk about the pros and cons of on-premise and cloud-based geocoding options, as well as other key features to consider.

<p>The right geocoding API can help your business reduce costs and increase profits through accurate location data. But how do you know if a service can handle your data needs? Capacity and speed are two key topics to consider when comparing geocoding services. </p><p><strong>You can find out more about all the questions you need to ask in our ebook, 8 Questions to Ask When Selecting a Geocoding API by clicking the link here:</strong></p><p><a href="https://www. smarty. com/documents/ebooks/8-questions-to-ask-when-selecting-a-geocoding-api.

<p>If you’ve made it to this blog, you’re clearly interested in taking advantage of location data and geocodes. Welcome to the club—we’re so happy to have you!</p><p>Not all geocoding APIs offer the same levels of service and accuracy. That’s why we wrote an ebook all about how to choose the right geocoding provider. In this article, we’ll summarize two points from the ebook: How are no-matches handled and are sub-address geocodes offered?</p><h2>How are no-matches handled?</h2><p>First things first—what do we mean by “no-match?” A <strong>no-match</strong> is the result when a geocoding service can’t find a match for the address you entered.

<p><a href="/articles/geocoding">Geocoding</a> can unlock valuable business intelligence that is hiding in your address data. But how do you know what level of geocoding you would benefit from the most? Do you need rooftop data? Or maybe you just need parcel data? What about ZIP 9 geocodes?</p><p>These are the questions Adam Charlton, one of Smarty's genius geocoding developers, set out to answer in his recent webinar. </p><h2>What is geocoding?</h2><p>Geocoding most typically means appending a latitude and longitude to a named location like an address.

<p>Choosing the right geocoding service is the first step toward unlocking better location intelligence and helping your organization make more strategic decisions. </p><p>From our ebook, we’ll cover two key questions to ask when choosing a geocoding API:</p><ol><li><strong>Does the API include address validation</strong></li><li><strong>How accurate are the geocodes?</strong></li></ol><h2>Question 1: Does the geocoding API include address validation?</h2><p>Fitness advocates are fond of saying things like “Abs are made in the kitchen” and “Fuel your body for success.

<p><strong>September 22, 2020 - PROVO, UTAH</strong> - <a href="/">SmartyStreets</a>, the leader in location data intelligence, announces the release of their <a href="/products/us-rooftop-geocoding">US Rooftop Geocoding</a> and <a href="/products/apis/us-reverse-geocoding">US Reverse Geocoding</a>. These new products will provide customers with the highest precision geocodes available in the market today. </p><p>Most other geocoding providers provide “parcel-centroid” geocodes. That means that the geocodes are approximations of the center of a property or parcel.